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Fidelity Viewpoints ®

Ten things to do before year-end

Time for a financial reality check: Size up your portfolio, prep for 2015 taxes, donate, and save more.

Tame health costs

Review your needs, expenses, and finances ahead of time to help manage costs in retirement.

Where do bonds go from here?

Bonds have been on an up-and-down ride. Corporates and munis may offer opportunities.

The big challenge for stocks

Although the Fed didn’t change rates, the market has tightened, which has affected stocks.

Market and Economic Insights

Can reflation hold off deflation?

Declining currency reserves could outweigh stimulus and slow the bull market in stocks.

Behind the Fed decision

Global economic issues fuel deflationary fears and help drive policymakers to keep rates low.

See all Market and Economic Insights articles

Investing Ideas

Reduce taxes on gains

Got positions in the red after the pullback? Consider harvesting losses using ETFs to reduce taxes.

Consumer staples stocks

They may seem boring, but these stocks have the second-highest returns over the past six decades.

See all Investing Ideas articles


Smart strategies for MRDs

Four questions to help you effectively use required distributions from retirement accounts.

Retirement roadmap: rules to know

Here are steps that can help you stay on track to achieve your retirement income goals.

See all Retirement articles

Personal Finance

Protect yourself online

How to help keep your identity, money, and privacy safe—online and on your phone.

Tax-deduction tips

You don’t have to read the entire tax code to find deductions that may lower your taxes.

See all Personal Finance articles

Active Trader

Volatility trading tips

For shorter-term investors, big price moves can present both risks and opportunities.

Open and short

Short interest can help assess a stock’s sentiment; open interest, an option’s volatility.

See all Active Trader articles

Before investing, consider the investment objectives, risks, charges, and expenses of the fund, exchange-traded fund, or annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus and, if available for the options, a prospectus or summary prospectus containing this information. Read it carefully.
Sector investing can be more volatile because of their narrow concentration in a specific industry.
ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses.

Past performance is no guarantee of future results.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Prior to trading options, please read Characteristics and Risks of Standardized Options, and call 800-343-3548 to be approved for options trading.  Supporting documentation for any claims, if applicable, will be furnished upon request.
There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, and collars, as compared to a single option trade.

Investing involves risk, including risk of loss.

Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments.

In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible.

Diversification cannot ensure a profit or protect against loss.
Fidelity does not provide legal or tax advice and the information provided above is general in nature and should not be considered legal or tax advice. Consult with an attorney or tax professional regarding your specific legal or tax situation.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917